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Shopping and not worrying about overdraft fees Shopping and not worrying about overdraft fees
Understand your options for protecting your checking account.

Life Happens.

Affinity is committed to supporting you along your financial journey, even when things don’t go as planned. That’s why we offer multiple layers of coverage to protect your checking account from overdrafts. Review the options below to make sure you’re covered.

stand courtesy pay
Standard Courtesy Pay1

Qualified Affinity checking accounts are automatically enrolled in Standard Courtesy Pay, which is a service that allows us, at our discretion, to pay covered transactions that exceed your available balance and cause your account to be overdrawn.

What’s Covered

  • Checks
  • Outgoing ACH transactions
  • Automatic bill payments
  • Recurring debit card transactions

What It Costs

We charge a $33 Insufficient Funds Fee per transaction that overdraws your account.

There are no enrollment fees or other costs associated with this option.

How to Enroll

Qualified checking accounts are automatically enrolled in this account feature, so no further action is needed.

debit card courtesy pay opt in
Debit Card Courtesy Pay2

Debit Card Courtesy Pay is an optional service you can opt in to that allows us, at our discretion, to pay debit card purchases and ATM withdrawals that exceed your available balance.

What’s Covered

  • Debit card purchases
  • ATM withdrawals

What It Costs

If a transaction that exceeds your available balance is less than $75, we do not charge a fee. For transactions of $75 or greater, the fee is $15 per occurrence. There are no enrollment fees or other costs associated with this option.

How to Enroll

Overdraft Protection Plan
Overdraft Protection Plan

The Overdraft Protection Plan is an optional feature that lets you link your checking account to another eligible Affinity account, such as a SmartStart Savings account. If a transaction exceeds your available checking account balance, we will automatically transfer available funds from the linked account to cover the transaction.

What’s Covered

  • Checks
  • Outgoing ACH transactions
  • Automatic bill payments
  • Recurring debit card transactions
  • Debit card purchases
  • ATM withdrawals

What It Costs

If your checking account is overdrawn and you have sufficient funds in the linked account to cover the transaction, there is no fee for the transfer made from your linked savings account to your checking account. If you do not have sufficient funds in your linked savings account, Affinity may, at our discretion, cover a transaction through Standard Courtesy Pay or Debit Card Courtesy Pay (if you have expressly opted in). Fees may apply for transactions covered by Standard Courtesy Pay1 or Debit Card Courtesy Pay2.

How to Enroll

  • Visit your nearest Affinity Branch
  • Call the Member Service Center at 800.325.0808

Checking Overdraft Line of Credit
Checking Overdraft Line of Credit3

Apply for a Checking Overdraft Line of Credit to automatically transfer funds to your checking account in the event of an overdraft. There are no application fees, and you only pay interest on the amount you use with your line of credit.

What’s Covered

  • Checks
  • Outgoing ACH transactions
  • Automatic bill payments
  • Recurring debit card transactions
  • Debit card purchases
  • ATM withdrawals

What It Costs

You only pay interest on the amount you use with your line of credit.

How to Apply

Other Ways to Protect Your Checking Account

low account balance alert

Set Up Account Alerts

Receive text or email alerts when your balance is getting low or a large purchase is made. Log in to Online Banking or the Mobile Banking App to set up account alerts.

Affinity Mobile Banking App

Download the Affinity Mobile Banking App

Check your balance, make a mobile deposit and securely transfer funds on the go.

FAQs

What is the difference between Standard Courtesy Pay and Debit Card Courtesy Pay?
  • Coverage. Standard Courtesy Pay covers checks, outgoing ACH transactions, automatic bill payments and recurring debit card transactions. Debit Card Courtesy Pay covers debit card purchases and ATM withdrawals.
  • Enrollment. Qualified checking accounts are automatically enrolled in Standard Courtesy Pay, while Debit Card Courtesy Pay requires you to opt in.
  • Fees. A transaction covered by Standard Courtesy Pay results in a $33 Insufficient Funds Fee per transaction. The fee for a transaction covered by Debit Card Courtesy Pay is $0 per occurrence if the transaction is less than $75, or $15 per occurrence if the transaction is $75 or greater.
If I do not opt in to Debit Card Courtesy Pay, will Affinity cover my debit card purchases and ATM withdrawals?

No, if you do not opt in to Debit Card Courtesy Pay, Affinity will decline debit card purchases and ATM withdrawals that exceed your balance, and no fees will be assessed by Affinity.

Is the Checking Overdraft Line of Credit considered a loan?

Yes, the Checking Overdraft Line of Credit is a loan, which is subject to credit review and approval.

Can I opt out of Standard Courtesy Pay?

Yes, you can opt out of Standard Courtesy Pay by calling us at 800.325.0808. Opting out of Standard Courtesy Pay will result in the transaction being returned. A $33 Insufficient Funds Fee will be charged for each returned transaction.

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All loans are subject to credit review and approval. You may opt out and learn more about account overdraft protection options by contacting 800.325.0808 or visiting a branch.  Overdrafts are paid at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction even if you have opted in to Debit Card Courtesy Pay.

1. Debit Card Courtesy Pay –  A discretionary service, which you must affirmatively consent to by opting in, that allows Affinity to pay certain transactions presented against a qualified checking account even if they cause the account to become overdrawn. This consent authorizes Affinity to pay overdrafts for the following types of transactions: ATM transactions and everyday debit card transactions. We will charge you a fee of $15 each time we pay an overdraft for transaction amounts of $75 or greater. No fee is charged for transactions below $75. There is no additional cost associated with this service unless you use it. Time for Repayment: We reserve the right to require you to pay an overdraft immediately. You are responsible to pay any negative balance in your account and should make every attempt to bring your account to a positive balance within 30 days. If, after a period of time, your account has not been brought to a positive balance, we may suspend your account and take other steps to recover the funds, including collection and/or legal action. There is no limit on the total fees we can charge you for overdrawing your account. Circumstances Under Which We Would Not Pay: The circumstances under which we would not pay an item or debit that would overdraw your account are entirely at our discretion, and we reserve the right not to pay. For example, we typically wouldn’t pay if your account is not in good standing, or you are not depositing regularly, or you have too many overdrafts. The fact that we pay one or more items creating overdrafts does not obligate us to do so in the future.

2. Standard Courtesy Pay –  A discretionary service that allows Affinity to pay certain transactions presented against a qualified checking account even if they cause the account to become overdrawn. Authorizes Affinity to pay overdrafts for the following types of transactions: checks and other transactions made using your checking account number, automatic bill payments, and recurring debit card transactions. We will charge you a fee of $33 each time we pay an overdraft. There is no additional cost associated with this service unless you use it. Time for Repayment: We reserve the right to require you to pay an overdraft immediately. You are responsible to pay any negative balance in your account, and should make every attempt to bring your account to a positive balance within 30 days. If, after a period of time, your account has not been brought to a positive balance, we may suspend your account and take other steps to recover the funds, including collection and/or legal action. There is no limit on the total fees we can charge you for overdrawing your account. Circumstances Under Which We Would Not Pay - The circumstances under which we would not pay an item or debit that would overdraw your account are entirely at our discretion, and we reserve the right not to pay. For example, we typically wouldn’t pay if your account is not in good standing, or you are not depositing regularly, or you have too many overdrafts.  The fact that we pay one or more items creating overdrafts does not obligate us to do so in the future.